WEBVTT - Jumping on a Low Cost Cell Phone Plan #040 0:00:00.080 --> 0:00:03.519 Welcome to How to Money. I'm Joel and I'm Matt, 0:00:03.760 --> 0:00:06.240 and today we're discussing jumping on a low cost cell 0:00:06.280 --> 0:00:27.640 phone plan. Joel, do I look tired to you? Yeah? 0:00:27.640 --> 0:00:30.400 I see the bags under your eyes fell like sleepy. 0:00:30.600 --> 0:00:32.520 There is a reason I asked, is my brother in law, 0:00:33.040 --> 0:00:36.720 him and his wife they had a baby last night? Yeah? 0:00:36.760 --> 0:00:40.320 It so congrats to them, they had a healthy baby boy. 0:00:40.720 --> 0:00:44.479 But the reason I'm tired is because they're one year old, 0:00:44.479 --> 0:00:46.839 almost a year old. Daughter spent the night with us 0:00:46.920 --> 0:00:50.000 last night and tonight as well, but you know, she's 0:00:50.000 --> 0:00:51.839 not used to being in her house, sleeping in the 0:00:51.840 --> 0:00:53.959 pack and play, and we're not used to waking up 0:00:53.960 --> 0:00:58.160 a couple of times a night tending to a baby. Man, 0:00:58.640 --> 0:01:01.480 I gotta say it's a to relief to exit that 0:01:01.560 --> 0:01:04.600 stage as apparent finally your kids sleeping through the night, 0:01:04.640 --> 0:01:06.600 and then to go back to getting woken up in 0:01:06.600 --> 0:01:08.039 the middle of the night. I can't imagine it's so 0:01:08.080 --> 0:01:10.120 hard to get drugged back into that place again. Yeah, 0:01:10.120 --> 0:01:12.679 I know, especially without the adrenaline of having your own 0:01:12.840 --> 0:01:15.319 like fresh baby. You know, like it's like I can 0:01:15.319 --> 0:01:17.040 handle that as long as I about like the cue baby. 0:01:17.080 --> 0:01:18.480 I haven't even met the new baby yet. You know, 0:01:18.480 --> 0:01:20.240 I've been working all day and I haven't been able 0:01:20.280 --> 0:01:22.040 to get over to the hospital. Maybe we should do 0:01:22.240 --> 0:01:27.280 an episode about babies. How much do babies cost? Well, 0:01:27.280 --> 0:01:29.520 we need to do one, especially on because I feel 0:01:29.520 --> 0:01:32.120 like every year the statistic comes out about how much 0:01:32.160 --> 0:01:35.160 a child cost to raise. Oh yeah, and I feel 0:01:35.200 --> 0:01:38.759 like it's kind of ridiculous, and we should definitely talk 0:01:38.800 --> 0:01:40.720 about the cost of raising the kid and how to 0:01:40.760 --> 0:01:42.880 minimize those and so let's do an episode on that soon. 0:01:43.280 --> 0:01:45.880 I mean, I think people would love that. And if 0:01:45.920 --> 0:01:47.680 you've had a baby recently, why don't you go ahead 0:01:47.720 --> 0:01:50.360 and send in a picture of your baby, because let's 0:01:50.360 --> 0:01:53.600 see the beautiful babies. Yes, I'm not even joking. I 0:01:53.600 --> 0:01:56.360 think love to see a picture of your baby. Seriously. 0:01:56.440 --> 0:01:58.400 But if you're a listener and you've had a baby 0:01:58.480 --> 0:02:01.680 in the past just a year, yeah, if if you 0:02:01.760 --> 0:02:03.760 got a cute baby, let's see the babies. In the 0:02:03.800 --> 0:02:05.360 best place to post it so we can all see 0:02:05.360 --> 0:02:07.960 it is our Facebook group. So if you feel comfortable, 0:02:08.000 --> 0:02:11.400 some people don't feel comfortable posting pictures of this, But 0:02:11.480 --> 0:02:13.560 if you do post a pic of your super cute 0:02:13.600 --> 0:02:15.560 baby on our Facebook group and we will just comment 0:02:15.600 --> 0:02:17.840 with like Google eyes and stuff like oh yeah, hard eyes. 0:02:18.120 --> 0:02:20.600 I'm all about it. Babies are the cutest, all right. 0:02:20.639 --> 0:02:22.640 So congrats to Dan and Jeff. That's awesome. And by 0:02:22.680 --> 0:02:24.800 the way, the first time I met Dan, I remember 0:02:24.960 --> 0:02:26.679 Matt one of the first things that we hit it 0:02:26.760 --> 0:02:30.680 off about was disc golf. We both have this super 0:02:30.760 --> 0:02:33.560 intense love for disc off. Dude, he loves the disc 0:02:33.600 --> 0:02:36.200 oflf is true. And just in case anyone hasn't heard 0:02:36.440 --> 0:02:38.880 or has never played disc golf out there, it's one 0:02:38.919 --> 0:02:40.679 of my favorite sports for a lot of reasons. First, 0:02:40.720 --> 0:02:42.920 you're kind of walking through nature, and it's just kind 0:02:42.919 --> 0:02:45.880 of fun to spend a couple of hours outdoors checking 0:02:45.880 --> 0:02:50.200 a frisbee essentially. And although discolfers don't really like to 0:02:50.200 --> 0:02:52.240 call it frisbee, it's yeah, you're playing with a disc. 0:02:52.560 --> 0:02:55.320 But discolf is awesome because you can buy essentially two 0:02:55.320 --> 0:02:58.960 discs and have everything you need to play for the 0:02:58.960 --> 0:03:01.639 rest of your life for free. Yep, everywhere you play 0:03:01.680 --> 0:03:04.840 disc golf, it's free. It's just the best time. It's 0:03:04.880 --> 0:03:06.600 so funny to go out there with friends, maybe bring 0:03:06.600 --> 0:03:09.799 a beer too, and and just play disc golf. Man, 0:03:09.840 --> 0:03:11.560 it's the best. I miss it so much. I need 0:03:11.600 --> 0:03:13.400 to get back out there and maybe I'll take Dan 0:03:13.480 --> 0:03:15.880 in the new baby. Dan's actually who got me in 0:03:15.919 --> 0:03:18.120 my first two discs. Man. I think I three with 0:03:18.160 --> 0:03:19.760 you a couple of times and I would borrow maybe 0:03:19.760 --> 0:03:22.000 one or two year discs. But then Dan got me 0:03:22.120 --> 0:03:24.280 a driver and a putter, and I think maybe I 0:03:24.320 --> 0:03:28.440 found a mid range disc and that's in the woods. Yeah. 0:03:28.600 --> 0:03:30.520 I'm like, all right, well, I only use the driver 0:03:30.560 --> 0:03:32.880 in the putter anyways. All right, and Matt today, the 0:03:32.919 --> 0:03:36.200 beer that we're drinking on the show is Casa Agria 0:03:36.800 --> 0:03:41.720 uh Zarza Marone from Oxnard, California, and it's a Flander 0:03:41.800 --> 0:03:45.840 style brown ale with blackberries, cranberries and raspberries. Dude, all 0:03:45.880 --> 0:03:49.120 the berries. Yes, Yeah, I was so so stoked when 0:03:49.120 --> 0:03:50.920 I saw those berries on there. So I can't wait 0:03:50.960 --> 0:03:53.160 to tell you guys about the beer at the end 0:03:53.160 --> 0:03:54.640 of the show. And just wanted to say thanks to 0:03:54.640 --> 0:03:58.040 my buddy Josh for bringing it down. He visited the 0:03:58.120 --> 0:04:00.920 A t L recently and we'd a little beer exchange 0:04:00.920 --> 0:04:03.400 and I've never had anything from Cossa Agria and I'm 0:04:03.400 --> 0:04:05.760 really excited to have this beer. So speaking of beer 0:04:05.920 --> 0:04:10.280 or alcohol, saw a report by the World Health Organization. 0:04:10.560 --> 0:04:12.680 But it's a report and they're saying, how five percent 0:04:12.720 --> 0:04:18.440 of deaths globally are attributed to alcohol. Five percent and 0:04:18.480 --> 0:04:22.320 that crazy. That seems like a lot, yeah, like one 0:04:22.360 --> 0:04:24.880 in twenty one in twenty deaths. And I'm sure that 0:04:25.480 --> 0:04:28.120 like they're conflating their numbers a little bit to include 0:04:28.400 --> 0:04:31.240 any sort of death that might be possibly related to 0:04:31.440 --> 0:04:34.440 some sort of alcohol involvement at all. But they were 0:04:34.440 --> 0:04:36.240 talking about it because there's little you know, there's lots 0:04:36.240 --> 0:04:38.000 of stories out there how they say, oh, well, you know, 0:04:38.040 --> 0:04:40.000 if you can have a little bit of booze, like 0:04:40.040 --> 0:04:42.279 a single glass of wine and night or something like that, 0:04:42.320 --> 0:04:44.120 it's actually good for your heart. And there's all this 0:04:44.200 --> 0:04:45.400 and they were just saying that, like, you know what, 0:04:45.520 --> 0:04:50.240 statistically speaking, it's still safer to not drink like at all. 0:04:50.640 --> 0:04:52.920 And you know, obviously we love craft beer a lot. 0:04:53.200 --> 0:04:55.560 Oh I wonder actually what the percentage of people that 0:04:55.640 --> 0:04:59.279 drink craft beer specifically, about the number is way smaller 0:04:59.440 --> 0:05:02.760 as far as death related incidents that are related to 0:05:02.800 --> 0:05:05.520 craft beer, partially because craft beer hasn't been long around 0:05:05.520 --> 0:05:08.400 all that long. Really that is true, but I mean, 0:05:08.440 --> 0:05:09.960 I guess I wanted to mention that too, because we 0:05:10.000 --> 0:05:12.880 love craft beer obviously, but at the same time, like 0:05:12.880 --> 0:05:15.360 we drink in moderation, we're not idiots, and we would 0:05:15.400 --> 0:05:18.080 encourage you to also be responsible. You know, we love 0:05:18.200 --> 0:05:21.400 having a delicious beer during the week together, you know, 0:05:21.400 --> 0:05:23.920 while we have an awesome conversation about money or something 0:05:23.960 --> 0:05:26.520 money related, but sometimes it's easy to get carried away, 0:05:26.520 --> 0:05:29.480 and we just want to encourage you to be smart. Yeah, 0:05:29.480 --> 0:05:31.440 and especially a beer like this, Matt, I mean, I 0:05:31.480 --> 0:05:34.840 get so excited to sip this beer slowly and to 0:05:35.200 --> 0:05:39.880 essentially over hours just enjoy the flavor. That's my favorite 0:05:39.920 --> 0:05:42.440 part about craft beer. And so it just doesn't lend 0:05:42.480 --> 0:05:45.799 itself to chugging back three or four and just get 0:05:45.800 --> 0:05:48.599 and getting hammered and so um. Something like this. It's 0:05:48.720 --> 0:05:52.640 just really nice to have a small glass and drink 0:05:52.680 --> 0:05:55.360 it really slowly. All right, Joel, let's go ahead and 0:05:55.400 --> 0:05:58.920 get started talking about low cost cell phone plans um. 0:05:58.960 --> 0:06:01.040 And first of all, we want to to encourage you 0:06:01.440 --> 0:06:03.359 to go back and listen to last week's if you 0:06:03.360 --> 0:06:06.520 haven't already listened to last week's, we did an episode 0:06:06.600 --> 0:06:10.640 on getting a deal on a new cell phone, and yeah, 0:06:10.680 --> 0:06:12.359 we covered a lot of great points there, and so 0:06:12.440 --> 0:06:15.720 this is sort of like part two of that cell 0:06:15.760 --> 0:06:18.479 phone life. Yeah man. And the problem is that many 0:06:18.560 --> 0:06:21.000 people are still paying way too much for their cell 0:06:21.040 --> 0:06:23.960 phone service. It's kind of like my parents randomly, they 0:06:23.960 --> 0:06:26.760 were paying for ao L after everyone else had jumped ship, 0:06:27.160 --> 0:06:29.360 like like for free with with the disks they get 0:06:29.360 --> 0:06:32.400 in the mail. Yeah, yeah, I remember that, but they 0:06:32.400 --> 0:06:35.080 were still paying. And there are still people to this 0:06:35.200 --> 0:06:37.560 day paying twenty five dollars a month for ao L 0:06:37.640 --> 0:06:39.839 even though a o L has been made completely free 0:06:39.880 --> 0:06:42.200 for their for their mail. Yeah, they're still paying for 0:06:42.279 --> 0:06:45.200 internet service through a o L because they just have 0:06:45.320 --> 0:06:47.880 never canceled it. So I think that last I read, 0:06:48.240 --> 0:06:51.960 there over two million people paying AOL a month essentially 0:06:52.000 --> 0:06:54.840 for nothing. That's probably like the worst statistic I've ever 0:06:54.880 --> 0:06:58.640 heard in my life, right, like like worst slash saddest. 0:06:58.680 --> 0:07:00.760 I'm like, who are these people who are just paying 0:07:00.800 --> 0:07:03.240 this without realizing it? And I feel like a big 0:07:03.240 --> 0:07:05.240 part of that, right, A big reason might be because 0:07:05.320 --> 0:07:08.320 we just don't talk about our finances enough. That's a 0:07:08.360 --> 0:07:11.000 big reason that you and I like talking about money 0:07:11.080 --> 0:07:13.600 is because it's something that isn't talked about enough, and 0:07:13.640 --> 0:07:17.920 we like being somewhat countercultural and stepping on people's toes 0:07:18.000 --> 0:07:21.160 and making people feel uncomfortable get it out in the open. Yeah. 0:07:21.200 --> 0:07:22.840 But a big part of it is because we want 0:07:22.880 --> 0:07:25.120 to talk about it. We want it to be normalized. 0:07:25.600 --> 0:07:28.000 And you know, it's like talking about how much you're 0:07:28.000 --> 0:07:30.120 paying for yourself phone service might be this thing where 0:07:30.120 --> 0:07:32.160 you feel that you don't have the freedom to talk 0:07:32.200 --> 0:07:34.080 about because you're like, oh, that's that's not really what 0:07:34.120 --> 0:07:36.440 my friends and I talked about. We talk about getting 0:07:36.440 --> 0:07:38.840 the new iPhone. You don't talk about like how much 0:07:38.840 --> 0:07:41.240 we're paying every month on cell phone service. But we 0:07:41.240 --> 0:07:43.240 would want to do is encourage you to be that 0:07:43.280 --> 0:07:45.880 person maybe in your friend group, to kind of challenge 0:07:45.880 --> 0:07:48.400 your friends to start talking about these things, to challenge 0:07:48.400 --> 0:07:50.720 each other to save money, because like if you're still 0:07:50.760 --> 0:07:53.200 friends in twenty thirty years, like instead you can be 0:07:53.240 --> 0:07:56.720 retired and having these conversations or like you know, while traveling, 0:07:56.920 --> 0:07:59.400 Like we just want you to to be maybe sort 0:07:59.400 --> 0:08:01.120 of like the be and you know, the beacon of 0:08:01.160 --> 0:08:03.640 hope of light when it comes to you and your 0:08:03.640 --> 0:08:05.880 friends finances. I think the cell phone bill for many 0:08:05.920 --> 0:08:09.480 people is actually really kind of equivalent to the A O. 0:08:09.640 --> 0:08:11.600 L bill for those two million folks that are still 0:08:11.640 --> 0:08:14.200 paying for it because a lot of people haven't shopped 0:08:14.200 --> 0:08:17.320 their cellphone bill in years, and so they're paying. They 0:08:17.360 --> 0:08:21.320 haven't seen how precipitously the prices have dropped when it 0:08:21.320 --> 0:08:23.720 comes to cell phone plans and how many cheap options 0:08:23.720 --> 0:08:26.160 there are out there right now. Because the average monthly 0:08:26.200 --> 0:08:30.600 cell phone bill is still seventy three dollars, that's crazy, 0:08:30.680 --> 0:08:33.840 mat Yeah, dude, that is very crazy. And like, so 0:08:33.880 --> 0:08:36.679 I did some quick math, and that amount every month, right, 0:08:36.720 --> 0:08:40.240 seventy three bucks invested over ten years, it's pretty close 0:08:40.280 --> 0:08:44.439 to thirteen thousand dollars, which is a ton of money. 0:08:44.600 --> 0:08:46.520 And real quick, that's if you take like a monthly 0:08:46.520 --> 0:08:48.920 expense and you multiply it by one seven three, right, 0:08:48.960 --> 0:08:52.240 a hundred seventy three, that essentially is that amount invested 0:08:52.280 --> 0:08:55.199 over the next two years compounded, Like, that's how much 0:08:55.240 --> 0:08:57.200 you know you would end up with. And that's a 0:08:57.200 --> 0:08:59.560 lot of money, right, that's a ton of money. Um, 0:08:59.640 --> 0:09:02.520 And since cell phone bills don't actually fluctuate on a 0:09:02.559 --> 0:09:04.280 monthly basis, you just kind of get used to paying 0:09:04.280 --> 0:09:06.560 the same amount. It gets you know, automatically deducted from 0:09:06.559 --> 0:09:10.120 your checking account or automatically paid from your credit card, 0:09:10.360 --> 0:09:12.360 and you don't notice the amount going out, and you 0:09:12.360 --> 0:09:14.640 don't think to shop. You're just paying the same amount 0:09:14.880 --> 0:09:17.160 every month. No matter what we're here to say, there 0:09:17.200 --> 0:09:19.520 are so many better ways to do it, so many 0:09:19.679 --> 0:09:22.400 cheaper ways to get cell phone service, and they're ultimately 0:09:22.440 --> 0:09:24.600 not going to creep your style at all, man. And 0:09:24.640 --> 0:09:27.480 that's part of why these cell phone planes don't get shopped, 0:09:27.480 --> 0:09:29.640 because you get used to paying the same amount. It's 0:09:29.679 --> 0:09:32.080 sort of on like the subscription model basis, right, It's 0:09:32.080 --> 0:09:34.360 a monthly bill and you just get used to paying 0:09:34.360 --> 0:09:36.480 it and it just gets absorbed into your budget. It's 0:09:36.520 --> 0:09:39.319 a set amount, it doesn't really change. And it's sort 0:09:39.320 --> 0:09:41.840 of like these new all these new subscription based companies. 0:09:42.200 --> 0:09:44.200 They kind of get you hooked, you know, or they 0:09:44.200 --> 0:09:45.760 get you interested, and you start paying it, and then 0:09:45.800 --> 0:09:47.400 you can just get used to paying it, and then 0:09:47.400 --> 0:09:48.880 you just never kind of fall off the wagon. You 0:09:48.920 --> 0:09:52.160 never really look at what you're receiving and saying, is 0:09:52.160 --> 0:09:54.040 this actually worth the money that I'm that I'm putting 0:09:54.040 --> 0:09:57.000 to Like that sock subscription that you jumped on, Dude, 0:09:57.040 --> 0:10:00.480 that's the real thing, is I think that's a real thing. 0:10:01.000 --> 0:10:05.360 But I mean like Blue Apron or Dollar Shave Club, right, Like, 0:10:05.360 --> 0:10:07.640 these are all the different subscription based companies and they're 0:10:07.640 --> 0:10:09.960 blowing up. And the reason that they're blowing up is 0:10:09.960 --> 0:10:12.520 because people sign up and it's just on cruise control. 0:10:12.559 --> 0:10:15.400 It just keeps going. And from a business standpoint, it's 0:10:15.440 --> 0:10:17.839 brilliant because they get someone on board and they know 0:10:17.960 --> 0:10:20.080 that the percentage of people who then turn around and 0:10:20.080 --> 0:10:21.800 say no, I don't want to do this anymore is 0:10:21.840 --> 0:10:24.040 so slim, and they just keep paying it. They keep 0:10:24.040 --> 0:10:27.840 amassing razors or a bunch of Blue Aprons. I don't 0:10:27.840 --> 0:10:30.880 know how it works, but like it's just something that 0:10:30.920 --> 0:10:34.320 they don't challenge themselves to, uh, to say no to. Yeah, 0:10:34.320 --> 0:10:36.600 And ultimately, most of the people in our society they 0:10:36.679 --> 0:10:39.880 value convenience over cost. And definitely, and we're here to 0:10:39.880 --> 0:10:42.240 say it's actually not terribly inconvenient to pick a new 0:10:42.280 --> 0:10:45.520 cell phone plan. It's not going to be very difficult, 0:10:45.720 --> 0:10:47.800 but ultimately you can save so much your you can 0:10:47.800 --> 0:10:49.880 cut your cost to such a level that it can 0:10:49.880 --> 0:10:51.600 be a meaningful amount of money that you can save. 0:10:51.880 --> 0:10:53.240 All right, man, let's go ahead and get started and 0:10:53.280 --> 0:10:55.320 let's jump into it. So how to get on a 0:10:55.320 --> 0:10:58.320 low cost cell phone plan? Uh? The first thing that 0:10:58.320 --> 0:11:01.400 you want to consider is consider using your phone less, 0:11:01.559 --> 0:11:03.640 because if you use it less, you'll end up paying less. 0:11:03.640 --> 0:11:07.360 And what we're specifically referring to is data. Everyone wants 0:11:07.360 --> 0:11:10.120 to have unlimited data, but if you do, you're gonna 0:11:10.120 --> 0:11:12.720 pay for it. You need to ask yourself do you 0:11:12.760 --> 0:11:14.959 really need it or are you just looking sort of 0:11:15.400 --> 0:11:18.160 for that piece of mind where you think, well, I 0:11:18.200 --> 0:11:20.880 don't really know how much I'm consuming. I just want 0:11:20.880 --> 0:11:22.640 to have unlimited so I don't have to worry about it. 0:11:23.120 --> 0:11:26.000 That's a very worthwhile question, right, how much data am 0:11:26.000 --> 0:11:28.440 I actually using? Yeah? And there's a whole lot of 0:11:28.440 --> 0:11:30.760 things in life, right where we choose to use less 0:11:30.760 --> 0:11:33.360 of something in order to save money. Right. We turn 0:11:33.480 --> 0:11:37.640 the thermostat up in the summer to avoid using the 0:11:37.679 --> 0:11:41.480 electricity and the air conditioning. Right, that's a conscious choice 0:11:41.480 --> 0:11:43.319 that we make. And you can do the same thing 0:11:43.360 --> 0:11:46.320 with your cell phone. You choose to use WiFi most 0:11:46.320 --> 0:11:48.520 of the time you have access to a WiFi network 0:11:48.520 --> 0:11:51.600 if you're at home, or at work most of the time, right, 0:11:51.679 --> 0:11:54.280 you can jump on the WiFi network there, and so 0:11:54.400 --> 0:11:57.120 if you can do that and use less data on 0:11:57.160 --> 0:11:59.080 your phone, that's gonna be a way that you can 0:11:59.080 --> 0:12:02.320 hop on a lower cost plan. Yeah, and specifically as well, 0:12:02.360 --> 0:12:05.080 I'm thinking about it as like a budget, right, so, like, 0:12:05.080 --> 0:12:06.840 look at your statements at the end of the month 0:12:06.920 --> 0:12:09.080 and look at how much you actually are using, Like, 0:12:09.080 --> 0:12:11.400 look at how much you are using of the allotted 0:12:11.480 --> 0:12:14.160 data that you're given every month. If it's unlimited, look 0:12:14.200 --> 0:12:15.719 at how much you're using, and if it's less than 0:12:15.800 --> 0:12:19.000 two gigs a month, we'll shoot. You don't need unlimited. 0:12:19.000 --> 0:12:21.240 You already fit within the two gigs are less sort 0:12:21.240 --> 0:12:23.440 of plan. With a little bit of thoughtfulness, you could 0:12:23.440 --> 0:12:26.800 easily even get that probably under one gig. But knowing 0:12:26.800 --> 0:12:28.800 where to start, right, if if I actually do think 0:12:28.840 --> 0:12:30.640 about it like a budget, you need to know where 0:12:30.640 --> 0:12:32.760 you're starting and then to see if that's even something 0:12:32.800 --> 0:12:35.079 that's possible for you. You might look at your statement 0:12:35.120 --> 0:12:37.720 and see that like, oh man, this past month, I 0:12:38.080 --> 0:12:40.880 used eleven gigs worth a data. There's no way I'm 0:12:40.880 --> 0:12:42.920 gonna be able to get under two. And if so, 0:12:43.200 --> 0:12:45.480 that's sure like there's no sense and maybe trying to 0:12:45.480 --> 0:12:48.040 cut it down just a little bit, or to go 0:12:48.120 --> 0:12:50.240 through the pain and discipline of trying to get yourself 0:12:50.320 --> 0:12:52.480 under two. It's just not gonna be worth it for you. 0:12:52.480 --> 0:12:53.920 It's not gonna be worth your time. Yeah, but if 0:12:53.960 --> 0:12:56.320 you're close, you can take a look at that building 0:12:56.480 --> 0:12:58.920 statement and you can see I'm using two and a 0:12:58.960 --> 0:13:01.360 half or three and a half gigs of data. And 0:13:01.520 --> 0:13:03.040 you know what, I really think I can jump on 0:13:03.040 --> 0:13:05.360 a WiFi network a little more frequently and just use 0:13:05.440 --> 0:13:07.760 less in general in order to save you know, forty 0:13:07.800 --> 0:13:10.360 fifty maybe even more dollars a month. Who I just 0:13:10.400 --> 0:13:12.280 noticed you said data. Do you say data or do 0:13:12.320 --> 0:13:13.920 you say data? I think I go back and forth. 0:13:14.559 --> 0:13:17.680 I don't know. I think earlier I was saying data data. 0:13:17.760 --> 0:13:20.880 Oh snap, what was the kid's name on Goonies? I 0:13:20.880 --> 0:13:22.200 don't know. I didn't see the movie. Wait, you never 0:13:22.240 --> 0:13:24.520 seen the Goodies. I've never seen the Goonies? You shut up. 0:13:24.600 --> 0:13:27.240 I hate to admit it. Well, there's a little Gosh 0:13:27.280 --> 0:13:29.480 this gonna sound so racist. There's a little Asian kid 0:13:29.480 --> 0:13:32.000 and his name was data or I say it, you're Asian. 0:13:32.240 --> 0:13:35.800 It's allowed like you've heard people talk about booby traps. 0:13:35.800 --> 0:13:37.959 I was sending booty traps and they're like, no, it's 0:13:37.960 --> 0:13:40.360 booby traps. And he's like, that's what I said, booty traps. 0:13:41.440 --> 0:13:43.840 I can't believe you've never seen the Goonies. Dog pathetic. 0:13:44.480 --> 0:13:46.120 You're not pathetic. You're a little bit younger than I. 0:13:46.120 --> 0:13:48.280 You know, that's it. I'm like a year younger than you. 0:13:48.320 --> 0:13:49.880 But you missed you miss the Gooneys tram. You are 0:13:49.920 --> 0:13:51.839 really old, that is true. I think I had a 0:13:51.840 --> 0:13:54.480 Gooney's lunchbox, dude, Like it was that hard It was 0:13:54.520 --> 0:13:56.880 that hardcore to that into it. Yeah, okay, all right, 0:13:57.160 --> 0:13:58.920 or maybe I'm just envisioning my friends. I don't know. 0:13:59.160 --> 0:14:03.199 I can't remember so old. So ultimately, if you want 0:14:03.240 --> 0:14:05.120 to save on a cell phone, pland, one thing you 0:14:05.120 --> 0:14:08.760 need to do is to consider your carrier. Man. Mostly 0:14:08.920 --> 0:14:12.360 they're the same now, Verizon's network it still seems to 0:14:12.360 --> 0:14:13.920 be the best everywhere you go. I know there are 0:14:13.920 --> 0:14:16.319 a lot of people that travel all over the country, 0:14:16.360 --> 0:14:18.120 are in the mountain states, are kind of in more 0:14:18.200 --> 0:14:21.760 rural areas, and Verizon does work better in those places. 0:14:21.880 --> 0:14:24.520 But if you're in a major metropolitan city, if you're 0:14:24.560 --> 0:14:28.120 in the suburbs of a city. Uh, you're usually okay 0:14:28.200 --> 0:14:32.520 with a less fancy network, and Verizon definitely charges a 0:14:32.600 --> 0:14:36.200 lot more for you to be on their slightly better network. Yeah, 0:14:36.280 --> 0:14:40.040 that's a great point. Also consider doing the family and 0:14:40.080 --> 0:14:42.840 friends plan. You know, if you can get more folks 0:14:42.880 --> 0:14:46.320 on your plan, that will often save you money, although 0:14:46.560 --> 0:14:49.440 that can be a huge pain, and single lines are 0:14:49.480 --> 0:14:51.800 also starting to get a good bit cheaper as well, 0:14:51.840 --> 0:14:54.360 so it may not even be worth the hassle. And 0:14:54.400 --> 0:14:56.200 I say this out of a personal experience. This is 0:14:56.240 --> 0:14:58.360 something Joel and I both do. We are on the 0:14:58.400 --> 0:15:01.680 same family ends planned and we have do we have 0:15:01.680 --> 0:15:04.480 ten people now or nine? We just I think we 0:15:04.560 --> 0:15:06.240 just have one drop off, but we were hoping to 0:15:06.280 --> 0:15:07.720 pick two up, so we'll see how it goes. We 0:15:07.920 --> 0:15:09.720 can we can go from nine to eleven. No, we 0:15:09.720 --> 0:15:11.520 were at nine, we went down to eight, and we're 0:15:11.560 --> 0:15:13.080 hoping to go back up to ten. Okay, we've got 0:15:13.080 --> 0:15:15.720 two more hopefully lined up soon. But it is a pain. 0:15:15.760 --> 0:15:17.320 I will tell you, it is a p So you're 0:15:17.320 --> 0:15:19.000 the one. I'll go ahead and set you up because 0:15:19.000 --> 0:15:21.120 you're the one that like the accounts under your name 0:15:21.760 --> 0:15:24.840 and you're the one that's basically charged with, you know, 0:15:24.960 --> 0:15:28.080 collecting cell phone rent from people you don't even know, 0:15:28.480 --> 0:15:32.120 because I got some friends actually they're like siblings of 0:15:32.160 --> 0:15:35.120 my friends. Like they're not even folks I know super closely. 0:15:36.040 --> 0:15:38.320 All that well, but I'm like, yeah, I'm pretty sure 0:15:38.320 --> 0:15:42.000 they're good for a dog. Sign them up. No, it's 0:15:42.120 --> 0:15:44.240 it's honestly, it's worked out really well for all of us. Okay, 0:15:44.240 --> 0:15:46.560 but it's just really changed in the last year and 0:15:46.640 --> 0:15:49.520 a half to two years maybe where cell phone plans 0:15:49.560 --> 0:15:53.960 for individuals have kind of started to decrease rapidly, almost 0:15:53.960 --> 0:15:56.240 to the point where family plans were for a minute, 0:15:56.440 --> 0:15:59.840 family plans were by far, by far the cheapest options. 0:16:00.040 --> 0:16:02.400 Couldn't even get close to that with a single or 0:16:02.480 --> 0:16:04.800 double plan, And now you're starting to get at that 0:16:04.880 --> 0:16:08.360 point with other providers that that that really, you know, 0:16:08.400 --> 0:16:10.680 ten separate lines can be close to the same price 0:16:10.720 --> 0:16:12.840 as a ten person family plan. Yeah, so our ten 0:16:12.960 --> 0:16:15.760 person family plan we're paying right now about twenty three 0:16:16.040 --> 0:16:18.360 about twenty three bucks a person, right, something like that. 0:16:18.400 --> 0:16:20.400 And when we first signed up, we were, you know, 0:16:20.400 --> 0:16:22.240 we hit a promotion, and that's something that will mention 0:16:22.320 --> 0:16:24.880 later you know, you gotta look for those deals, those promotions. 0:16:24.920 --> 0:16:27.240 But for a point there, how were we paying eleven 0:16:27.320 --> 0:16:29.560 dollars a line? We were paying eleven dollars, I know 0:16:29.640 --> 0:16:31.800 that for me a year. For a year, Kate and 0:16:31.880 --> 0:16:35.240 I were paying you two dollars a month, you know, 0:16:35.400 --> 0:16:37.480 and and we each had our own phone, and it 0:16:37.600 --> 0:16:40.640 was fantastic. Yes, and it's still great now. But yeah, 0:16:40.680 --> 0:16:43.720 like I said, the new family plans right of four lines, 0:16:44.200 --> 0:16:47.200 even those are rivaling what we're paying now is they're 0:16:47.200 --> 0:16:50.920 getting down close to three bucks for sure. Yeah. So, uh, 0:16:51.040 --> 0:16:56.800 let's talk about Matt specific providers, specific costs, and kind 0:16:56.800 --> 0:16:59.120 of where you should go as a single individual or 0:16:59.800 --> 0:17:02.120 a is a dual line or family plan. Right after 0:17:02.160 --> 0:17:14.880 this break, all right, Matt, we promised specifics, so let's 0:17:14.880 --> 0:17:18.280 get into it. We said that the prices for single 0:17:18.359 --> 0:17:20.760 line cell phone plans has gone down, and that is 0:17:20.840 --> 0:17:24.040 so true. So let's call out a few of the 0:17:24.080 --> 0:17:26.720 best companies to consider when you're looking for a single 0:17:26.800 --> 0:17:29.560 line cellphone plan. So one of my personal favorite companies, Matt, 0:17:29.640 --> 0:17:31.440 and one that's been around for quite a while now 0:17:31.440 --> 0:17:33.840 in this space that actually really has kind of changed 0:17:33.880 --> 0:17:36.600 the game for everyone involved. I feel like they've been 0:17:36.600 --> 0:17:40.240 one of the main competitors that spurred competition. Republic Wireless, 0:17:40.560 --> 0:17:44.080 you can for twenty do get unlimited talking and text 0:17:44.480 --> 0:17:47.640 with one gig of data, and then you can pay 0:17:47.840 --> 0:17:51.000 five dollars more per gig when you use more. That's 0:17:51.040 --> 0:17:52.520 one of the best deals out there on the market 0:17:52.560 --> 0:17:55.120 for a single line. Another one of the best deals now, 0:17:55.200 --> 0:17:59.320 which I kinda hate to say it, it's Exfanity Mobile, 0:18:00.480 --> 0:18:02.360 but it actually is a really good deal. So if 0:18:02.400 --> 0:18:06.479 you have a Comcast for your Internet service, you can 0:18:06.480 --> 0:18:11.000 get Exfinity Mobile. It's twelve dollars for again unlimited talking text, 0:18:11.359 --> 0:18:13.720 and you get one gig of data with that. So 0:18:14.119 --> 0:18:17.639 if you're a small data user, I would say Exfinity 0:18:17.680 --> 0:18:21.199 Mobile and Republic Wireless are two really great ones to consider. Yeah, man, 0:18:21.280 --> 0:18:23.199 for someone like me, that might actually be you know, 0:18:23.320 --> 0:18:26.440 really good. I'm actually thinking for you, like how much 0:18:26.440 --> 0:18:29.040 time I spend at home, like working from home, like 0:18:29.040 --> 0:18:31.200 on WiFi. I mean that's all I do. I don't 0:18:31.240 --> 0:18:33.000 have a life, you know, I just like sit at home. 0:18:33.119 --> 0:18:36.919